A DeAth in Your FAmilY - City of Prince George
A DeAth in Your FAmilY - City of Prince George
A DeAth in Your FAmilY - City of Prince George
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What Do I Need to Know about<br />
Benefits for Survivors?<br />
The follow<strong>in</strong>g is a general overview for your<br />
<strong>in</strong>formation. Many <strong>of</strong> the tasks <strong>in</strong>volved will be<br />
completed by the executor or adm<strong>in</strong>istrator.<br />
“Resources” on page 16 has contact details<br />
for relevant <strong>in</strong>stitutions, if you require further<br />
<strong>in</strong>formation.<br />
• If you had a jo<strong>in</strong>t account with right <strong>of</strong><br />
survivorship, you can withdraw the whole<br />
amount from the account at any time. If<br />
you encounter difficulties, speak to the<br />
bank’s head <strong>of</strong>fice. Once you have the Death<br />
Certificate, you can have the account<br />
transferred to your name alone.<br />
• If the accounts were <strong>in</strong> your spouse’s name<br />
alone, notify the bank. Banks will usually<br />
release small amounts <strong>of</strong> money to the<br />
survivor before the estate is settled, but they<br />
are not required to do so. They will pay<br />
funeral expenses directly if presented with<br />
the bill; they will not, however, reimburse<br />
a person who has paid the funeral home<br />
directly until the estate is settled.<br />
• Money left to you <strong>in</strong> <strong>in</strong>surance policies,<br />
pension funds, and RRSPs passes outside<br />
the Will. If you are the beneficiary, contact<br />
the relevant <strong>in</strong>stitutions to learn what<br />
documents they need.<br />
• If your spouse was receiv<strong>in</strong>g a government<br />
or private pension, you may be entitled to<br />
a portion <strong>of</strong> the pension as the survivor.<br />
Check with each agency. Was your loved one<br />
a veteran, member <strong>of</strong> a union, or receiv<strong>in</strong>g<br />
a pension from another country? If so,<br />
there may be pension benefits for survivors.<br />
For pensions, the estate or the survivor is<br />
entitled to keep the cheques issued <strong>in</strong> the<br />
month <strong>of</strong> your loved one’s death.<br />
Note: This applies to you if you are a<br />
dependent child <strong>of</strong> a parent who has died.<br />
• The CPP Death Benefit is payable to the<br />
estate or survivor if the family member paid<br />
<strong>in</strong>to the Canada Pension Plan.<br />
• If your partner died and you are under 60,<br />
you may be entitled to a Survivor’s Pension<br />
through CPP. Benefits are also available to<br />
children under 18 years <strong>of</strong> age or between<br />
the ages <strong>of</strong> 18 and 25 and attend<strong>in</strong>g school<br />
full-time.<br />
• If the loved one was still employed, benefits<br />
may be available. Death benefits payable by<br />
labour unions vary. They may be payable<br />
to the next-<strong>of</strong>-k<strong>in</strong> or the estate. The union<br />
<strong>of</strong>fice will have the <strong>in</strong>formation.<br />
• If the death was due to a work-related<br />
accident, benefits may be available from<br />
Workers’ Compensation.<br />
• If death was due to a car accident, benefits<br />
are available from ICBC.<br />
• If the death was a result <strong>of</strong> a crime, assistance<br />
and benefits may be available to survivors<br />
from the Crime Victim Assistance Program.<br />
For contact <strong>in</strong>formation, see “Resources” on<br />
page 18.<br />
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